One of the best ways to save money is by cutting back on entertainment. If you have a family, splitting your utility bill may make the difference between being comfortable and in debt.

You can save a lot of money using Saving Gain Coupons. This is a great way to try new brands and stores without breaking the bank. Some coupons only apply to one item, while others will work on more than one.

Meal planning is another great way to save money. By taking a few minutes a day, you can reduce your grocery bill and avoid getting bored with your food.

For the tech-aficionado, there are a number of free online apps that will do the calculations for you. These can save you up to 10%.

You might also want to look into using a smart thermostat. These devices are not only smart enough to understand your habits, they're also programmed to optimize your heating and cooling schedules.

You can save a lot of money by decluttering your home. You'll get a cleaner, more efficient house, and you'll be able to enjoy it more.

Using the right kind of lighting and turning off the lights at the end of the night can save you a few bucks. Also, you can use a thicker bed or blanket, which uses less energy than a bath.

You should also consider using a smart thermostat or smart home security system. These devices can help you reduce your utility bills, while protecting you from break-ins. They also help you save money on your insurance, as well.

You can also save money by using a high-interest savings account. This is especially important during the winter months.